Azura Credit Union (KS) Adds Rate-Leading 14-Month CD Special

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Deal Summary: 14-Month Certificate Special, 5.55% APY, $500 minimum deposit.

Availability: 54 Kansas counties.

For a limited-time, Azura Credit Union (Azura CU) is offering a 14-Month Certificate Special earning a rate-leading 5.55% APY. The minimum opening deposit is $500, with no stated balance cap. There is no set end-date for the 14-month Certificate Special, but according to CSR it should be available through the end of the month (emphasis on "should").

APYMINMAXINSTITUTIONPRODUCTDETAILS
5.05%$500-Azura Credit Union14 Month Share Certificate Special
5.05%$500-Azura Credit Union14 Month IRA Certificate Special (Traditional, Roth, CESA)
Rates as of April 16, 2024.

The 14-Month Certificate Special is also available as an IRA Bump Certificate Special (Traditional, Roth, CESA), earning the same APY with the same deposit requirements.

According to CSR, the Early Withdrawal Penalty for the terms of 12-48 months is 180 days of dividends on the amount being withdrawn. Partial withdrawals and early closures are both permitted.

Availability

Headquartered in Topeka, Kansas, Azura Credit Union’s field of membership (FOM) is primarily community-based, with individuals who live, work, or worship in any of the following 54 Kansas counties, eligible for membership.

Northeast Counties: Atchison, Brown, Doniphan, Douglas, Jackson, Jefferson, Johnson, Leavenworth, Lyon, Marshall, Nemaha, Osage, Pottawatomie, Riley, Shawnee, Wabaunsee, Wyandotte.

Southeast Counties: Allen, Anderson, Bourbon, Coffey, Franklin, Greenwood, Linn, Miami, and Woodson.

Northcentral Counties: Barton, Chase, Clay, Cloud, Dickinson, Ellsworth, Geary, Jewell, Lincoln, Marion, McPherson, Mitchell, Morris, Osborn, Ottawa, Republic, Russell, Saline, Smith, and Washington.

Southcentral Counties: Butler, Harvey, Kingman, Pratt, Reno, Rice, Sedgwick, Stafford,

Employment: Employees/retirees of AT&T, Goodyear Tire & Rubber, Southwestern Bell Communications, U.S. government agencies (including local, municipal, or state governments) also qualify for membership, as do employees/retirees/members of American Legion Post 400, TARC, or United Steelworkers Union Local #400. All employees and students of any Kansas educational institution are also eligible to join.

Relationship: Immediate family members of anyone eligible for membership are welcome to apply. Immediate family includes spouse/former spouse, parent/step-, sibling, child/step-, grandparent, or grandchild.

Account Opening

Joining Azura CU can be done online, or at any of nine Kansas branches located in Lenexa, and Topeka (8).

A Primary Savings account is the required membership share account to join Azura. It may be used as a traditional savings account but a minimum of $5 must be maintained for membership.

While savings, checking, and Money Market accounts can be opened online, certificates must be opened at any of the above-mentioned branches or by phone (800.432.2470).

Azura CU participates in the CO-OP ATM Network, giving its members access to more than 30,000 surcharge-free ATMs through the country.

Funding and Other Details

The following information is from a Live Chat with CSR.

  • Funding – ACH, wire, check, or internal transfer.
  • CO-OP Shared Branch Participant – No.
  • Ownership – Individual, joint, or in the name of a trust.
  • Dividends – Compounded/credited monthly; can compound to CD, be transferred to an Azura account, or paid by check.
  • Maturing Funds – Cashier’s check to address on file or internal transfer.
  • Beneficiaries – Unlimited, with equal shares. Social Security numbers are preferred but not required for beneficiaries.
  • Grace Period – 10 calendar days before account balance will be transferred to an Azura Primary Savings account.
  • Credit Check – Hard pull when joining the credit union.

Credit Union Overview

Azura Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 4.52% (excellent) based on March 31, 2023 data. In the past year, Azura CU increased its total non-brokered deposits by $13.5 million, an above average annual growth rate of 2.16%. Please refer to our financial overview of Azura Credit Union (NCUA Charter # 61823) for more details.

Azura Credit Union was established in 2016 when Educational Credit Union and Quest Credit Union “merged as equals,” combining approximately the same number of members and total assets. Educational CU was founded in 1939 as the Topeka Teacher Credit Union, while Quest CU was established in 2010 through the merger of Credit Unions United (est. 1951) and Credit Union One of Kansas (est. 1956). Currently the sixth largest credit union in Kansas, Azura Credit Union has more than 61,400 members and assets in excess of $752 million.

The word “azure” brings to mind lush, tropical locations like the Maldives or Fuji … not Kansas. The Azura CU website explains the re-branding:

Why Azura? One of the reasons the new name was selected is the tribute it pays to the beautiful, azure blue Kansas sky. With a combined 140 years of service in Kansas, both credit unions wanted to be mindful of their heritage as they developed their plans to move forward. The name was created by combining the words "azure", meaning clear blue sky, and "terra", meaning land.

How the 14-Month Certificate Special Compares

When compared to similar length-of-term CDs tracked by DepositAccounts.com which are available with the FOM and have minimum deposit requirements of $10k or less, no banks or credit unions have a higher rate than currently offered on the Azura Credit Union 14-month Certificate Special. The following table compares the 14-month Certificate Special to the two highest-rate CDs from other credit unions and the two highest-rate CDs from banks.

The above information and rates are accurate as of 7/6/2023.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table.

Related Pages: Topeka CD rates, Kansas City CD rates, 1-year CD rates, IRA CD rates

Comments
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